There are several ways to learn how to keep a family budget. Let's consider some of them.
First. Envelopes.
Divide the money into expense items. Get a few envelopes, on which write "food", "public services", "travel", "children", "clothes". There must necessarily be an envelope "miscellaneous" for expenses not included in the previous ones. If you are allowed income, you can save money in the "Inviolable Reserve". Accordingly, you take money for food from the envelope "food", for children's holidays, payment of circles from the envelope "children" and so on. To exceed the allotted limit is not recommended. In a few months you will be clearly managing your family budget.
Second. Competition.
For some housewives, the spirit of competition with itself can be a good incentive to save money. The less money you spend, the more fun you will get. Savings are saved for large purchases.
The third. Wholesale purchases
Buy products for a week. Modern hypermarkets can easily buy everything in one place, at prices lower than in the store closest to your home. It is important to make a list of necessary products and household chemicals before going to the supermarket. Follow the list carefully.
Do not be distracted by bright packaging and beautiful pictures. To stimulate customer demand, stores specifically expose more expensive products at the level of your face. Cheap analogs, as a rule, are on the lower shelves.
Go to the hypermarket on an empty stomach categorically not recommended! Many shops have their own bakery and kitchen. From fragrant smells, circling around the hall, you can "salivate". As a result, unplanned "goodies" and "harms" appear in the basket.
Another marketing move aimed at ensuring that the consumer buys as much as possible is as follows. Trolleys with which customers "walk" around the store, especially make large sizes. Subconsciously, we strive to fill empty space with purchases. Do not get into marketing "networks" arranged by a hypermarket.
Fourth. Extreme.
It does not suit everyone, but this method has the right to exist. The essence of it is this: 90% of the income of your family you put off in the bedside table. For the remaining 10% live a month, until the next salary. In such a tough regime, we assure that shopping trips are reduced to a minimum. You will think long before putting the next product in the basket. Such savings negatively affect the psychological state of a person. Refusal to itself in everything, absence of an opportunity to indulge itself will approach only for those who is indifferent to "modern" products. The extreme way to lead a family budget is suitable only for extreme cases.
Next year, do you dream of having a vacation on the ocean or visiting European countries? Start to save money today! Only 10% of your salary, put in an envelope, after 10 months will allow you to spend your dream vacation. It is important not to spend any deferred funds under any circumstances.
Go to the planning of the family budget smoothly. Start distributing funds first for a week, then for two, three, and, finally, for a month. You can calculate your expenses per day. For example, a day I can spend no more than 1 000 rubles.
A competent approach to planning the family budget may include different rules and features. Constant compliance, which, will allow you to make large purchases and not count every hundred rubles.